How did they get my new card details?

pandacookie

Brought insurance with Elephant last October with Barclays debit card that expired this July

Renewal notice from Elephant with new card number & expiry date on.

Who gave it to them?!

And no I have not contacted Elephant for a claim.

And would this be the same Barclays that stops my card each time I buy something from abroad to prevent fraud. Erm yes it is.

jonesMUFCforever

Are you sure that you are telling the truth and the whole truth??

pandacookie

Yep.

The only contact with Elephant was this afternoon to stop renewal as hopefully find something cheaper.

Paul_Herring

pandacookie wrote: »

Brought insurance with Elephant last October with Barclays debit card that expired this July

Renewal notice from Elephant with new card number & expiry date on.

Who gave it to them?!

Barclays.

Since you gave the insurance company continious authority to take money from your card, when they present the old details, the bank will inform them of the change.

And no I have not contacted Elephant for a claim.

Irrelevant. You gave Elephant the right to obtain the details when you bought the insurance last year.

And would this be the same Barclays that stops my card each time I buy something from abroad to prevent fraud. Erm yes it is.

Yup. Only Barclays aren't to blame - they (and any other bank) are required to honour the continious payments make on the original card.

pandacookie

Fair enough. I assume that is in the small print that I didn't read. Still seems a bit naughty of Barclays (and presumably other banks) to give card numbers out willy nilly.

Cheers anyway.

Paul_Herring

pandacookie wrote: »

Still seems a bit naughty of Barclays (and presumably other banks) to give card numbers out willy nilly.

It's hardly willy nilly - it's not as if they're, say, giving it out to all insurance companies, just the one you dealt with in the past for the purposes of continuing the contract you hold with them.

jonesMUFCforever

I don't believe for one minute that Barclays have given this information out as they are not a party to the agreement between OP and insurance company.
They would know nothing of this arrangement - sorry but I still do not believe OP's story.

pink_princess

jonesMUFCforever wrote: »

I don't believe for one minute that Barclays have given this information out as they are not a party to the agreement between OP and insurance company.
They would know nothing of this arrangement - sorry but I still do not believe OP's story.

Search rolling card authority. A bank knows if it is standing order, direct debit, card debit or rolling.
You can cancel card debit, but not rolling.

Paul_Herring

pink_princess wrote: »

Search rolling card authority. A bank knows if it is standing order, direct debit, card debit or rolling.
You can cancel card debit, but not rolling.

The point Jones was making is that Barclays shouldn't hand out the new CC details to the insurance company, but still accept the old CC details but assign the debt to the new card.

mrmajika

Paul_Herring wrote: »

The point Jones was making is that Barclays shouldn't hand out the new CC details to the insurance company, but still accept the old CC details but assign the debt to the new card.

That's certainly the standard practise, whereby the original card is still billed irrespective of expiry date. I've never heard of a bank providing merchants with the new card details. Strange.

pandacookie

I think a trip to Barclays is my job for the day.

The payment was for a one off payment of the premium, not a direct debit for monthly payments. I can sort of see the argument had it been that, but Barclays to say yep no problem help yourself to £650 is a bit harder to understand.

Jones, I was doubting myself to start with. But the bit of paper from Elephant has my new my new card number/expiry date on and as I said previously the only contact with them was to stop the renewal going through.